最有看点的互联网金融门户

最有看点的互联网金融门户
其他国际资讯

英国银行业视金融科技为重要威胁力量

其他国际资讯

英国银行业视金融科技为重要威胁力量

MoneyLive银行业报告咨询了600位来自银行业的领导人物,以评估他们对行业未来的看法。

受访者认为,非传统金融服务和金融科技公司现在已经对英国主要银行机构构成了威胁。

81%的受访者认为,“目前,服务便利性和质量已经成为主要的消费驱动力,而对大型机构的信任已经没有以前那么重要了。”

与此同时,79%的受访者认为“金融科技产业则涌现了不少更具吸引力的品牌。

调查结果显示,59%的业内受访者认为“新中介机构”对他们与客户的关系构成重大或巨大威胁。

该报告表明,“从亚马逊到Airbnb,从Netflix再到优步,无法提供个性化体验和成本节约的传统品牌必定还要面对数字化浪潮的冲击。”

其实,竞争不仅来自服务的在线化,同样也包括通过新方式解决过去常见的客户问题。比如金融科技公司Plum可以使用智能算法来分析用户消费习惯,除了将金额自动转移到Plum ISA之外,该应用程序还可以提供有关资金流向的有用见解,并提醒客户转换交易模式。

新公司(包括像Starling这样的挑战者银行和在线服务提供商)提供的变革和竞争程度使得93%的受访者认为,“金融业必须在未来5年内将进行基本的商业模式创新”。

The UK banking industry sees fintech startups as a “significant threat” to the big players in the industry.

The MoneyLive Banking Report consulted with 600 leading figures from the banking sector to gauge their opinions on the future of the industry.

Respondents identified a number of ways non-traditional financial services and new fintech companies now pose a threat to the UK’s current dominant banking institutions.

81% believed that “the consumer is driven less by trust in large institutions and more by convenience and quality of experience.” In turn, 79% agree that “FinTechs… have more engaging brands.”

In light of those findings, it is no surprise that 59% of respondents from the industry think “new intermediaries” pose a significant or massive threat to their relationship with customers.

The report suggests that the industry is right to be concerned: “From Amazon to Airbnb, Netflix to Uber, the story of digital disruption has not ended well for those incumbents unable to match the personalised experience and compelling cost savings of the newcomers.”

Competition will come not just from online accounts, but services that solve common customer problems. One example cited is fintech company Plum, which “uses smart algorithms to analyse your spending habits. As well as automatically diverting sums into a Plum ISA, the app provides helpful insights into where your money goes, sends alerts when it finds a better deal on energy bills and lets you switch to that deal in a few taps.”

The degree of change and competition provided by new companies, including both challenger banks and online only providers like Starling, led 93% of respondents to agreed that “fundamental business model innovation will be required within the next 5 years.”

用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

伦敦金融科技创企Jaja Finance完成500万英镑融资

Emily Nico... | CITY A.M. 01-17

韩国FSC主席:承诺放松监管,支持金融科技企业发展

Claudia 01-17

从8项监管新规看2019亚洲金融科技走向

Claudia 01-16

印度:如发现用户使用加密货币,将关闭其银行账户

Jose Anton... | 36Kr 01-14

日本三菱日联金融公司设立1.85亿美元金融科技风投基金

Finextra | FINEXTRA 01-14

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1